Home Loan Documentation

Home Loan Document TIPS and Checklist

Learn more about what home loan document you may need to provide when applying for a mortgage.

Documentation Tips:

Trulend Mortgage will accept legible pictures of single-page documents to use in processing of Conventional, FHA, USDA and VA loans.

Examples are W-2’s, paystubs and legible Driver’s License.

To take pictures of multi-page documents, we recommend the use of a smart phone app such as CamScanner, or any similar app. This app will allow you to take pictures of several pages and “batch” them into a single PDF and be uploaded into our system as a single file.

Please keep in mind, all parts of the page(s) must be completely legible. Also, the full page must be visible/legible as no part of the page may be blocked or not visible. The page(s) cannot be cutoff on any side or edge.

Home loan documents are not just a formality. Your lender uses the info you provide to determine how much buying power you have to purchase a home.

To avoid delays, each document should be accurate, complete and the most recent version.

Include every page of multi-page documents, even if they just state “intentionally left blank.”

Documents printed from online sources should display the complete URL at the bottom of each page to validate the document’s source.

Be organized and quick to respond to requests for more documentation or more recent versions

❑ Signed federal tax return, last two years (both personal and business if applicable)

❑ Documentation of any other income sources

❑ Bank statements (two most recent, include all pages… even if blank)

❑ Documentation of the source of your down payment: investment or savings account statements showing at least two months history of ownership. If some of the funds were a gift, have the giver sign a statement declaring the funds were a gift.